APRB Privacy Policy

Our Commitment to Customer Privacy

Arunachal Pradesh Rural Bank is a Schedule Bank established on 30 November 1983 under the Regional Rural Banks Act, 1976. It is sponsored by State Bank of India in collaboration with the Government of India and the Government of Arunachal Pradesh.

To follow recognised international practice and inform customers and other visitors to the Bank's website, the Bank publishes this privacy statement. The Bank's basic philosophy is that information shared with it should be treated as private. Adequate precautions are taken to protect information relating to customers and their dealings with the Bank from mischief and fraud.

Customer confidentiality and privacy are of utmost concern to Arunachal Pradesh Rural Bank. Employees treat information concerning customers' accounts responsibly and confidentially.

1. Recognition of Your Expectation of Privacy

The Bank recognises that customers expect privacy and security for their personal and financial affairs. By choosing the Bank for their banking needs, customers entrust it to safeguard their personal financial information. The following principles and practices explain that commitment.

2. Personally Identifiable Information

The Bank collects customer information such as name, address, email address, passport number, income, PAN and nominee details.

3. Cookies

A cookie is a data file that certain websites write to a visitor's computer hard drive. Cookie files can contain information such as a user identification code used to track pages visited. APRB does not use cookies on its website.

4. How We Use, Collect and Retain Customer Information

The Bank collects, retains and uses customer information only when it reasonably believes this will help administer its business or provide products, services and other opportunities. Information is collected and retained only for specific business purposes.

5. We Use Information To

1. Open and administer customer accounts and protect records and funds.
2. Comply with applicable laws and regulations and help design or improve products and services for customer benefit.
3. Understand customer financial needs to provide quality products and superior services.
4. Comply with laws, guidelines and regulations governing financial services in the country.
5. Obtain information such as Voter ID and PAN for deposit accounts of resident customers, where required.

6. How We Keep Customer Information Accurate

It is in the customer's interest, and the Bank's objective, to maintain accurate, current and complete information concerning customers and their accounts. The Bank has procedures that employees follow to meet this objective. If a customer believes the Bank holds incorrect information about them or their account, they may email customercare@aprb.bank.in or lodge a grievance through the Contact Us link. Erroneous information will be corrected as quickly as possible.

7. Limiting Employee Access

The Bank has procedures that limit access to personally identifiable information to employees with a business reason to know it. Employees are educated about their responsibility to protect the confidentiality of customer information and are held accountable for violations of this policy.

8. Security Procedures

The Bank follows best security practices to help prevent unauthorised access to confidential customer information.

9. Restricting Disclosure of Customer Information

Arunachal Pradesh Rural Bank does not release customer information except as directed by law or in accordance with a customer's mandate. The Bank does not share specific account information or other personally identifiable data with non-affiliated third parties for their independent use unless:

• The information is provided to help complete a transaction initiated by the customer.
• The customer requests or authorises it.
• The disclosure is required by, or directed by, law.
• The customer has been informed of the possibility of disclosure for marketing or similar purposes and has been given an opportunity to decline.

10. Disclosing This Privacy Policy

The Bank publishes this policy so that potential customers, existing customers, loan applicants and visitors to the Arunachal Pradesh Rural Bank website understand its commitment to personal privacy.

11. Questions or Concerns

For questions or concerns about this privacy policy, email gm@aprb.bank.in or write to:

12. Internet Privacy on the APRB Website

For each website visitor, the Bank automatically recognises the visitor's Internet Service Provider, but not the visitor's specific email address, and aggregate information on the pages visited.

13. Other Information About Our Website

• Children visiting APRB's website: The Bank is confident that parents will not judge information provided by APRB as objectionable for their children to view.
• Links to or from APRB's website: APRB is not responsible for the information practices of websites linked with this website.
• Encrypted information: Information provided on APRB's website is encrypted or scrambled to secure it.

14. Changes to This Policy

This Privacy Policy is subject to periodic change.